USDC

uncapchad

Not much difference, just the set of coins/tokens (BTC, USDC, USDT, and USDG) + what OP said about rewards. Opt-in is not available to US Customers The opt-in coins/tokens are not "staked" on-chain which is what traditional staking does - locking up coins to secure the blockchain network. Although I'm not sure that staking on exchanges is actual staking. Bit vague on that. Staking is subject to regional laws so some US customers can stake

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wintomato

You’ve already hit most of the big ones. BTC definitely reacts to macro stuff more than people like to admit. A few other things that can move the price: • Liquidity + risk sentiment - when markets shift to “risk-on,” BTC usually benefits. When fear hits, everything dumps together. • regulation news - anything from the US, EU, or big Asian markets can cause instant swings. • Exchange issues - hacks, outages, or big insolvency rumors can shake the market fast. • Stablecoin flows - Tether/USDC minting or burns can influence short-term moves. And yeah, BTC watches the S&P 500 too, not as tightly as NASDAQ, but the whole US market mood definitely spills over.

_BreakingGood_

USDC happened. Instant transfer, virtually zero fee, and no volatility. It is everything the lightning network was trying to solve, and more.

VicoxLegal

I completely agree with you, and it is a strategy that many investors who have been in the market for several years follow. Having a significant part in USDC/USDT (or regulated stablecoins such as EURC, USDP, etc.) gives a lot of peace of mind, especially when you have already lived through several cycles. I myself recommend to clients that, once they have managed to multiply their initial capital, they transfer 40-70% to stables and only leave “play money” in altcoins or Bitcoin. Regarding what to do with these stables today, the most common and safest options in 2025 are: CeFi with decent interest and low risk → Kraken → 5-6% on USDC/USDT → Nexo → up to 12% (with insurance and possibility of withdrawing whenever you want) → Coinbase → ~5% and very liquid DeFi “low-risk” (no strong impermanent loss) → USDC/USDT Pools on Curve + crvUSD stake → 4-8% realistic → Aave / Compound → 4-7% lending stables → Pendle or Yearn with conservative strategies → 6-10% without touching memecoins Tokenized RWA (Real World Assets) → Centrifuge, Maple → 8-14% lending to real companies with real estate collateral or invoices (the quiet “new boom” of 2025) Simply leave it in cold wallet or Coinbase/Kraken without touching it → 0% performance but 100% control and zero fear of exploits In the end the trick is: the bigger the bag of stables, the more you want it to yield something... but without getting into the roller coaster again.

watch-nerd

It’s awesome. USDC TVL on Ethereum will moon.

Elemental_Breakdown

So you think lump dumping everything right this minute is going to make you rich? Gold has doubled in the last year, silver is getting up there and both will always have value. You need to be one of the main characters in a heist movie, I'm convinced that's the only get rich quick scheme that works. Lmk when you want to meet with a ladder next to a museum 😜🤣 Buy USDC and place some limit orders, then loan out your USDC at 7-10% while you're waiting for the orders to fill and another year or so to see a decent run. You might make 20%. Get rich quick on btc is over. But do you have an eye for art and balls of tungsten to pull it off? 😉

CryptoNerdSmacker

Ripple Labs (RLUSD) and Circle (USDC) are going to feast on USDT’s corpse. Folks should get it in on those stablecoins’ native chains. The volume is going to create some nice organic flywheel utility for their native tokens operating as gas, etc.

morefundsneeded

Where are you getting 20% return on USDC?

Miserable_Twist1

Paid in USDC? I guess it's convenient for the business, but its worse than regular dollars. At least with regular dollars it's more liquid for all investment vehicles including basic interest bearing accounts. Plus, you still carry the third-party risk of Circle. The only benefit here is it slightly more convenient to convert it into crypto assets. 

some_yum_vees

coindepo.com pays out 18-24% on stables. I'm testing it with $100 worth $USDC currently.

jammermass

If you're scared about the hacks and exploit you shouldn't be holding usdc too. USDC can depegg for all we know and then you lose the "stable" coin as well. No risk is no reward

awesomeblindingyou

Good that you stacked USDC, but it's value is deteriorating as we speak. Maybe explore some DeFi options in where you can earn some passive income (no volatility). And then you can earn while waiting for better market conditions.

coinfeeds-bot

tldr; Wirex has partnered with the Algorand Foundation to integrate USDC on the Algorand blockchain, enabling over 7 million users and 80 million merchants to access fast, borderless stablecoin payments. This collaboration allows transactions to be processed and settled entirely on Algorand, offering transparency, scalability, and instant on-chain settlement. The partnership aims to advance stablecoin adoption for global payments, remittances, and business transactions, combining Wirex's payment infrastructure with Algorand's blockchain technology. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

noviwu97

you repaid your loan by buying BTC with $32k, so now you have 48k USDC and you can take all of your BTC that's worth 40k. So your current portfolio is 88k

diradder

> They are pegged to the dollar. They don’t need to beat inflation. Tether is a business endeavor of iFinex, they do need to make profits and if these profits do not beat inflation, it means they are not making profits. Their peg is only a feature of their product (USDT), that keep people using this service. If you want some kind of public service where profits are not required/abstracted, you want to involve a government, not a business... so is your answer, Tether should not be a business after all of this? > They need to run their business on tight margins and they’ll still get billions per year. interest on cash equivelents and fees are their moneymakers. Sure, try to convince their shareholders that they should be content with the minimum yield possible and the risk of not getting profits if inflation outpaces whatever they could get... that's just not how businesses work in liberal capitalism. > Saying they have 80% in cash and cash equivalents seems really bad to me. I think they’re claiming its higher. Not for 2025. That's likely one of the reasons their rating got decreased. They are taking more risks, they are betting on a recovery after the current downtrend, and they certainly are not alone on this. But I agree with you that they take more risk than they should, hence my avoidance of that asset as much as I can. But it's totally understandable that people can factor all of these risks and still use it (because it's most liquid, most convenient/prevalent on the market, has less oversight than other stables that are more ingrained US banking like USDC). > Having stablecoins backed by any amount of crypto also seems really bad to me. Any run on one, will coincide with a run on the other. > To prevent a collapse if users and arbitrage don’t cover the spread, then they need to buy it back immediately. If it dropped just a few points it would take a massive amount of money very fast to maintain confidence. This seems like a difficult thing to do amidst some sort of market panic event. This has been tested multiple times, events like FTX or COVID didn't really impact the peg as iFinex manages the supply based on this and preserves it. If they were just printing USDT "out of nowhere", such events would be noticeable on USDT's price history as liquidity is key in such cases.

theweb3voyager

Buy memes. Lose money, lose your parents trust. Easy. Or just start with the basics, earn USDC yield on AAVE or Spark.

watch-nerd

Tether transactions are P2P, but the monetary policy isn't, as you point out. It's centralized. And it's not censorship resistant, either. Tether (or Circle) could debank you. That being said, I use USDC for practical purposes, but it's just for convenience. From a monetary rights POV, it's no better than T-bills, and in some ways worse.

watch-nerd

It's clear you don't understand, or at least believe in, the whole point of crypto. I use stablecoins, specifically USDC. But they're not censorship resistant in the way Bitcoin, Ethereum, etc, are. Both Circle and Tether could decide to debank me and block access to my funds. Nor are they independent of monetary policy and devaluation by government. Both of these are the reasons to buy crypto. If you just want something that makes fiat money, there are plenty of choices in the traditional financial markets. Or in casinos.

ego157

Good comment. Even better strategy I have been using at scale since 2017 is always keep even amounts in a Coin as ETH and in USDC. So then you always have both options: Buy back in. And sell at the (current) peak.

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Prahasaurus

Only issues I’ve ever had were Coinbase freezing my account for no reason for 8 months. They later apologized and sent me 100 USDC. No thanks, I’ll custody my own tokens.

watch-nerd

I meant a little higher than USDC's B+.

GateNk

Seriously, how will they buy groceries with their USDC?

coinfeeds-bot

tldr; Coinbase has initiated a crypto-based universal basic income (UBI) pilot in New York City, distributing $12,000 in USDC to 160 residents over five months. Participants receive $800 monthly payments and a one-time $8,000 lump sum. The program, funded by Coinbase's donation to a nonprofit, aims to test the effectiveness of crypto payments in low-income areas like the South Bronx and East Harlem. The pilot explores how digital wallets and lump sums impact financial behavior compared to traditional banking methods. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

The-Real-Recruit

yeah you're good, ERC20 is just the ethereum standard for USDC

twixx09

Conversational Stablecoins have definitely shown impressive transaction volumes! But I wonder if comparing them directly to Visa is a bit apples-to-oranges? Visa processes billions of small daily transactions while stablecoin transfers tend to be larger and less frequent. Are you thinking about this from a total volume perspective or something else? Been watching USDC and USDT's growth myself and it's pretty wild.

Nixisworld

Depends, i get paid in stablecoins $USDC being the most common on Solana. For me it works perfectly as i can use it with my Bybit card to buy groceries, gas, or anything else. And i can also use it to buy bitcoin and invest in other things directly, without my bank giving me shit about it.

IanCFW

USDC exists on multiple blockchains, and that's what's causing confusion. When the site says "make sure your wallet supports USDC to ETH," they're referring to USDC on the Ethereum network (ERC20 standard). Trust Wallet telling you to use "USD Coin (ERC20)" is confirming this is correct - they're both talking about Ethereum-based USDC. Just make sure you're sending to the correct Ethereum address in Trust Wallet and selecting the ERC20 network on the sending platform. Never send to the wrong network or you might lose your funds. Double-check addresses before confirming and maybe start with a small test transaction.

samuscoped

USDT/USDC/BTC/ETH = yes

ETHTradr

You need to be careful because if USDC sure that’s a great move imo store whatever you need to buy in crypto fast with it and withdraw to pay bills/have some lifestyle expenses for the bills. You need to however consider the volatility of crypto if it goes against you and you got paid in BTC you WILL have to suffer any consequences that comes with it. Other than that pretty neat to get paid in crypto for sure

Fear_Blind83

You're good to go, just keep in mind that you will need ETH to cover the gas (network fee) should you want to move or swap the USDC in future.

Adventurous-Use-7737

Copy that Gold Leader. I need to keep 10k of USDC to earn 2.5% BTC back. Is that 10k safe?

airwickxd

I think this theory oversimplifies the relationship between US government policy, stablecoins, and Bitcoin. While stablecoins like USDC do hold US Treasuries as reserves, this isn't evidence of a government scheme to support Bitcoin adoption. The Treasury market is simply the most liquid, safest dollar-denominated asset market available. The US government has actually shown significant regulatory concern around stablecoins, with various agencies pushing for more oversight, not encouragement. The SEC, CFTC, and Treasury Department are focused on risk containment, not on creating a "crypto game" for debt financing. China reducing US debt holdings is a separate macroeconomic issue related to their own

Ninam1101

**Educational** Bitcoin and stablecoins serve fundamentally different purposes in the crypto ecosystem. While stablecoins like USDC or USDT maintain a peg to fiat currencies (usually USD), Bitcoin was designed as a decentralized alternative to government-issued money with a fixed supply cap of 21 million coins. Stablecoins help with day-to-day transactions and mitigate crypto market volatility, but they don't protect against inflation of the underlying fiat currency they're pegged to. If the USD loses purchasing power through inflation, a USD-pegged stablecoin will lose the same value. Bitcoin, meanwhile, has a programmatically limited supply that

alihuda1992

Educational: What's happening here is a clash between traditional banking values (central control) and crypto's original vision (decentralization). When banks call freezable stablecoins "appealing," they're essentially endorsing a feature that undermines one of crypto's core principles: censorship resistance. The ability to freeze assets means someone has authority to decide who can and cannot access their funds - exactly what Bitcoin was designed to prevent. Stablecoins exist on a spectrum of centralization. USDC and USDT have blacklisting capabilities and comply with law enforcement requests. Meanwhile, projects like DAI aim for more decentralized approaches, though they're not perfect either. This tension highlights crypto

SevereArrivals13

Moons, fantastic deflationary tokenomics, growing use cases, top exchange listings, supported by the largest crypto community in the world, has a growing treasury in USDC as well which will be used to fund listings, buybacks and earn APY. No other project has these partnerships and this is only in the past 2 months or so. https://docs.google.com/spreadsheets/u/0/d/1TZVE_3DCbox2bfObBXvYcOZOMNw62l6bjZfGLD-g2rA/htmlview#gid=0

BunnyKomac

Depends how you get paid, if it's USDC or USDT, it's safe, can fluctuate a tiny % but it's stable. If you're paid in the coin of your company then it's a bit more volatile, depending on the market cap of the coin. The higher it is, the less volatile it can be. If you wanna invest what you earn, then it's a bit easier since you can just directly buy your favorite coins instead of having to first deposit from the bank and then doing everything else. Hope I was clear enough lol.

SevereArrivals13

Yep and Moons have infinitely more going for them Just take a look at our recent advertisers below, no other project can brag of having worked with these names and we are only growing our burns, liquidity and maybe most importantly our treasury in USDC which could be used for future listings, buybacks, APY yield generation or anything else we decide on. https://docs.google.com/spreadsheets/u/0/d/1TZVE_3DCbox2bfObBXvYcOZOMNw62l6bjZfGLD-g2rA/htmlview#gid=0

arctic_bull

Neither does any major stablecoin on a public chain. The actual dollars are custodied at the issuer and the issuer can freeze the USDT or USDC (and several others) in your wallet by publishing your wallet address on their blacklist that all the miners check.

Y0l0BallsDeep

There are two undisputed facts about this company that still stand until this day: 1. Founding/ current management team are sketchy as hell. 2. They have never had a comprehensive financial audit by a major accounting firm under standard audit practices. This isn’t FUD, this is the truth. People shouldn't trust the tether foundation instead chooses USDC, Paxos...etc

funkinaround

Here is what I see in the Deloitte opinion of the Circle S-1 > Deposits from Stablecoin Holders—Refer to Note 2 to the Financial Statements > Critical Audit Matter > Deposits from stablecoin holders are funds received from customers from the issuance of Circle stablecoins. This represents claims from the stablecoin holder associated with Circle’s obligation to redeem stablecoins on a one-for-one basis. Circle stablecoins are the USDC and EURC payment stablecoins and are digital currencies issued natively on blockchain networks. All stablecoins issued and outstanding are backed by at least an equivalent amount of fiat currency denominated reserve assets. Stablecoins not accounted for could result in the amount of claims from the stablecoin holder to be more than the amount of reserve assets. > We identified deposits from stablecoin holders as a critical audit matter due to the fact that the issuance and redemption of stablecoins requires complex computer code operations and smart contracts. The nature and extent of audit effort required to address the matter includes significant involvement of more experienced engagement team members and involvement of specialist. > How the Critical Audit Matter Was Addressed in the Audit > Our audit procedures related to deposits from stablecoin holders included the following, among others: > • We tested the effectiveness of controls over management’s minting and burning process for the issuance and redemption of stablecoins. > • We tested effectiveness of controls over management’s reconciliation of reserve assets to stablecoin in circulation on approved blockchains. > • We utilized our proprietary audit tool and involved specialists to independently obtain evidence from public blockchains to test the completeness of stablecoins minted and outstanding by blockchain. > • We evaluated the reliability of audit evidence obtained from public blockchains. If they were able to tie every deposit and withdrawal to a USDC mint/burn and verify the entire history, wouldn't they say that rather than "testing effectiveness of controls" and "obtain evidence".

CarriesLogs

Believe it or not but Circle is the one that mints and burns USDC. Their financial statement audit would include auditing their cash and all of these mints and burns of the stablecoin USDC. P.S A CPA who has worked for big 4

funkinaround

A financial statement audit of Circle is not a USDC stablecoin "full audit".

milnivek

https://www.binance.com/en/trade/USDC_USDT?type=spot Look at the orderbook liquidity at 0.9999 and 1.0000

coinfeeds-bot

tldr; Upbit, a South Korean cryptocurrency exchange, reported a $36 million hack involving Solana-based assets on November 27, 2025. The breach affected tokens like SOL, USDC, BONK, and others, with stolen funds sent to external wallets. Upbit suspended Solana network services and initiated emergency inspections to protect user funds. The incident coincided with Dunamu's announcement of a partnership with Naver to invest in AI and Web3 technologies. Upbit assured users it would cover losses using its own assets, highlighting vulnerabilities in hot wallet systems. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

thinkingperson

Every now and then, there are questions about USDC or USDT. This week we have USDT at the podium.

AryanPachhai

Backpack definitely looks shiny on first impression — clean UI, big investors, and the whole “new but promising” vibe. Totally get why it caught your eye. Just remember newer platforms still have to prove themselves over time, so I’d treat it as something to try, not somewhere to keep most of your funds right away. A few things from my own trial-and-error: • High leverage (like 50x) is more of a marketing thing — even experienced traders rarely touch that. • USDC lending at ~6% is fine, just be aware that yields usually depend on market demand, and rates can drop fast. • What matters more long-term is how smooth deposits/withdrawals are and whether they have consistent liquidity. If you want something more established to pair with it, Kraken Pro has been the most “no drama” for me. Some folks also use OKX/Bybit for trading tools, then self-custody for anything they’re holding. And for tokens not listed or if you want to move across chains without relying on an exchange, I’ve used Rubic here and there — people talk about it in Rubic a lot. If you do try Backpack, report back — curious how their fees feel in real use.

Slimalicious

USDC literally provides the CUSIPs of their T-Bills.

funkinaround

Show me the "full audit" of USDC.

funkinaround

Tether does the same audit (attestation) as USDC.

funkinaround

USDC is just as audited as Tether.

OrdinaryReasonable63

USDC is GENIUS ACT compliant, so it's backed by treasury bills and is audited. IIRC they are technically held in custody for USDT by Blackrock but they publish audits, you can look at the portfolio of holdings here: [https://www.blackrock.com/cash/en-us/products/329365/](https://www.blackrock.com/cash/en-us/products/329365/) Tether: ??

StatisticalMan

USDC does not have fractional backing and it is backed only by dollars. 1 USDC = >$1 USD held in reserve. USDT on the other hand who knows. Trust me bro cryptography.

Routine-Tomato-6896

it's like escaping one sinking ship by jumping onto another slightly less leaky boat, the irony is real but hey at least USDC doesn't randomly lose 50% overnight when their president tweets something stupid

_Commando_

USDT, USDC are following the same fractional reserve banking practices as banks... so banks are now salty?...

StatisticalMan

Tether has never been backed 1:1 WITH DOLLARS which is the key thing. Tether has $x worth of "stuff" backing x USDT. That stuff includes crypto currencies which can and do lose value. USDC is backed 1:1 with dollars and audited and under regulatory oversight. Tether is and always has been "trust me bro". It will work until it doesn't.

CloudCity40

USDC https://www.circle.com/transparency

Patient-Lifeguard906

It seems to me that it only accepts USDC. Personally I put my DCA on hold there. When the prices of the cryptomoners in which I regularly invest fall, I withdraw what I want for my DCA, for the moment I am a winner, it works well. Transfers are instantaneous, on the Solana network. I wouldn't spend a fortune on it because according to my research Lince is a fairly recent dapp. But I put between 100 and 500 usdc which comes and goes.

NoStress42069

USDC I think yes last I used was 6% but you know the risks of staking

Crypto4Canadians

Check out Bitget as you can earn on both USDC and USDT. They're KYC. I've actually made a YouTube short showing people step by step on how to earn interest on USDC with them if you're interested: [https://youtube.com/shorts/9Wk2S6zIWe4](https://youtube.com/shorts/9Wk2S6zIWe4) I hope that helps and feel free to ask any questions if you've got any.

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Calm-Professional103

My USDC yield

Routine-Tomato-6896

people literally using USDC to buy groceries because their own currency is completely fucked

OkMathematician168

at least stablecoin like USDC will become mainstream. - it complies to regulations, - backed by us treasury, FED loves this - circle is public trade company

UzItOrLuzIt

True, no brick and mortar offerings but Coinbase is actually offering loans that you can use for whatever you want. That said, lets flip the script a little...what yield on cash/USDC does JPM pay vs. Coinbase? What are their protocols for custodying my coins? What coins do they allow direct swapping between? How long does it take for them to settle funds for my international transactions? What are their fees for secure transactions (wire transfer)? What are their hours of operation? One entity is building for the future, the other is clinging to the past.

oak1337

XRP is a memecoin in a business suit. They are delusional, bots, or paid shills. They have a max TPS of 1500 theoretically. This can't handle one payment network (Visa does 10-20kTPS), let alone world finance. They've pivoted several times and are failing each time. Cross border payments? Anyone can do that - DOGECOIN can do that. They want to be a bank? LOL nope. Pivot to Stablecoins with RLUSD? No one wants to use it, there's better options like USDC. More than 80-90% of "Ripple partnerships" will NEVER touch XRP. Only 50% of the XRP supply is released, plenty of dumping on retail remains. On Demand Liquidity ODL - LOL - are they saying that world finance doesn't have the LIQUIDITY to function??? Hedera Hashgraph is superior by every metric, and is a true utility. Hedera Consensus Service (HCS), Hedera Token Service (HTS), EVM Smart Contracts, Stablecoin Studio, RWA Tokenization Studio, AI Agent Studio, NFT Studio, etc etc -- UTILITY. HBAR has superior (best mathematically possible) security, unlimited scalability, is more decentralized. The Trilemma is defeated. HBAR > XRP

Aerocryptic

How having USDC can be considered disruptive? Like seriously? Another defi L1 with the same functionalities that many already have. Who cares about speed these days? Blockspace has become so cheap that you can use all the major L1s and L2s without any bottlenecks issue

GivePianoMotivation

What other layer 1’s have had USDC on day one? The speed and ethereum compatibility definitely is disruptive.. having worked with some of the management team, I’m placing my bets

GivePianoMotivation

A new layer 1 just launched that’s industry disrupting, competing with Solana, and is at #127 with USDC native on day 1, and you aren’t absolutely filling your bags? Monad Top 10 Q1 2026.

fivebillionproud

I find the timing of this story weird. Maybe it's a coincidence, but just days prior to this, all of the attention was on Cardano's stable coins depegging, which reignited discussion and fingerpointing over the fact that Emergo and Cardano Foundation still haven't gotten USDC or USDT on Cardano. Charles said in a tweet that he's not responsible for getting a stablecoin on Cardano, and says it's the Foundations job. Then this exploit happens and all entities supposedly come together for the chain and its holders, which I guess eased concerns that they're incapable of working together. Hooray. Maybe \*\*this\*\* \*\*time\*\* they're serious on getting things done? No need to talk about stablecoins, guys! Look what Cardano just did! Just ignore that ADA is way lower than 2017/2018 peak! The whole thing is weird to me.

One-Tough9061

Also to update you all.. during this 1.5 months, I have invested (DCA+spot trade) 45k USD, still have 12k USDC to ride through the fear market. CMC now is 10, meaning extreme fear and I see the price already bottoms at 80K and today it bounced back to 87K. We are still in cycle 4, past 1 month is NOT bear market, but a mid term trap. I think ATH will be around Q1 2026 at 150-180K follow by 1 year bear market till EOY 2026 This is definitely not financial advise, the reason I could invest so heavily is because I want BTC to take up a certain percentage of my portfolio. Even now am not there yet. So portfolio rebalancing is more prudent than go all in

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Post is by: kkmdnes and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoTechnology/comments/1p5bavr/how_reliable_is_onta_network/ Hi guys, We are a fintech company enabling easy electronic payments, we have a strong network of merchants but this is all through traditional fintech companies. Just wanted the community's opinion on the Onta network. I've been following crypto/blockchain but not up to date with all the tech and related projects. They are enabling stable coin payments using USDT/USDC. They have said that they are integrated with the following wallets: Trust wallet, Phantom, Coin98, OKX Wallet, Bitget Wallet, TokenPoket. How trustworthy are the listed wallets? Do they have a strong user base? Wanted to see what the community thinks of Onta and the related wallets integrated to leverage stable coin payments. Thank you!! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Electrical_Main_4253

Not really. Stablecoins aren’t killing the crypto market, they’re actually fueling it. They give traders a safe parking spot, make liquidity deeper, and make cross-chain moves way smoother. Without stables, the market would be way more chaotic. They only feel like a problem when people sit in USDT/USDC too long instead of rotating back into crypto. But overall, they help the whole ecosystem run.

dreamingfighter

You forget that there are several types of credit as well. Be it Visa, Mastercard, American Express, Discover... (I know they are just brands but so are USDT, USDC...). If enough people adopt stablecoins, somebody will create a gateway payment for them

Elean0rZ

Not really. [USDC](https://www.circle.com/transparency) and [Tether](https://tether.to/en/transparency/?tab=reports) both publish their reserves and issuance schedules and are third-party audited. There's room to quibble about their present-day collateral comprising sizeable portions of US Treasury securities rather than cold, hard cash, and there have certainly been some accounting shenanigans in the past before regulatory standards caught up, but per available evidence they're fully collateralized nonetheless. Most banks, as a point of comparison, are only around 15%+/- capitalized at any given time, so the bar is frankly fairly low. Dollars are minted "out of thin air" in some senses, yeah. Most money is created when banks issue loans, which is done subject to various criteria, so it's not totally arbitrary either.

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Right-Tumbleweed-491

You niggas is scared lol just put your money in USDC and wrap your whole crypto journey up 

Hidden5G

Tether isn’t “reliable, audited collateralization.” That’s the core mistake here. A pegcoin only works if the issuer is transparent, and Tether still refuses to provide a full, independent audit after more than a decade in business. That’s why Bluechip rates it D. It’s why regulators in parts of Europe have restricted it. And it’s why so many payment specialists, risk officers, and treasury people don’t treat USDT as a trustworthy bridge between fiat and blockchain. You’re right that the concept of a fiat backed token isn’t meant to be decentralized. The goal is to move dollars on chain. The problem is how that’s done. A company that controls billions in customer deposits but avoids audits and keeps its reserves offshore isn’t “bringing value onto the blockchain in a reliable way.” It’s introducing counterparty risk that’s bigger than most banks. If you want an example of how this should be done, look at RLUSD. It has an A rating from Bluechip because the reserves are held by BNY Mellon, with regulated custody, full transparency, and real oversight. USDC lands in the middle with B+, because they publish monthly attestations and work with U.S. regulators. So yes…stablecoins act bank like on chain. But Tether skips the safety rails that banks are required to have. When a company won’t repeatedly submit to a full audit, has been fined for misrepresenting its reserves, and holds assets in opaque offshore entities, you don’t get reliability…you get a risk that everyone pretends isn’t there until something breaks. That’s the part your explanation leaves out.

Hidden5G

Tether works the way you described..people hand over dollars, Tether hands back a token, and Tether controls the reserves. You’re right that this feels a lot like a bank, and that’s exactly why so many people have concerns about it. The issue isn’t that the model is impossible, it’s that Tether has a long history of avoiding transparency. Well known history of full audit avoidance. Bluechip…the independent ratings group for stablecoins, gives Tether a D rating because they still don’t provide a full audit, only quarterly “attestations,” and their own terms allow them to delay redemptions if their reserves aren’t easily available. That’s why parts of Europe have restricted or discouraged the use of USDT..regulators don’t like the opacity, and some exchanges there are phasing it out. They’re trying to fool everyone with their “new” stablecoin. On the other hand…for example…RLUSD is built in a completely different way. It has an A rating (the highest) from Bluechip because its reserves are held by BNY Mellon, one of the oldest and most trusted custodians in the world. It’s issued under a New York trust license, it’s fully regulated, and it’s designed for real payments and institutional settlement rather than a giant offshore casino. USDC sits in the middle with a B+ rating more transparent than Tether, not as strong as RLUSD. your instincts are right. Tether is centralized, it acts like a bank without the regulation of one, and that’s why its rating is so low. The point of stablecoins isn’t decentralization..it’s convenience and liquidity, but some are built responsibly and some cut corners. Tether cuts corners. RLUSD does not.

Elean0rZ

>a decentralized version of tether Algorithmic stablecoins tried to be that. They were very hot a few years ago. The problem is, they only worked as intended *most* of the time. That's no bueno for something whose literal MO is stability. There are also crypto-collateralized stablecoins like DAI/USDS or DigiDollar, and those have worked out better, but they have a hard time scaling consistently since their collateral is subject to so much price fluctuation. Things are fine when number go up, but when number go down maintaining the pegged value potentially requires liquidation of the collateral. They also require aggressive overcollateralization to begin with, plus can only be redeemed for $1-equivalent of the collateralizing asset (e.g., ETH or DGB), as opposed to an actual $1 of fiat, which is a crucial distinction if things are really hitting the fan. To extract your intended value you still need to be able to turn around and trade that $1-equivalent for $1 of fiat, which may be difficult/impossible. In other words, yes, they do work in the sense that they keep their $-equivalent value, but the limitations inherent in how they work mean they aren't as practically useful for some of the core use-cases you'd want a stablecoin for in the first place (or at least not consistently and predictably so, depending on current market conditions). Not to suggest they have no use, especially if decentralization is paramount, but their utility can only be fully realized in a more limited set of circumstances--let's say that. All of that said, if we're talking centralized stablecoins, Tether isn't the only show in town. USDC centralized but at least it's simply and transparently so. And ones like PYUSD are also reputable.

osogordo

To get decentralized finance to work the way people want it to work, you need a US dollar representation in the system. You can either use a centralized USD token like Tether or a decentralized one like Dai. People seem to like Tether and USDC. Even though it's not decentralized, it's still compatible with how the ecosystem works.

kyuronite

100% a scam. Coinbase doesnt support USDT, they push users to use USDC as USDC is what coinbase makes the $ on.

floppypretense

Stablecoins aren’t killing crypto. They’re finally giving it a real use-case. They’re the infrastructure, not the competition. BTC/ETH don’t need to be currencies to matter. BTC is a store of value, ETH is the settlement layer for everything being built on-chain. Their volatility doesn’t make them useless, but it just means they’re not meant to replace day-to-day money. What’s actually happening is that institutions are shifting from pure speculation to productive on-chain assets: tokenized treasuries, bonds, real estate, revenue-sharing… all the “real world” stuff. And this is where stablecoins are the fuel. Once you have stable on-chain money (USDC, USDT, etc...), you can invest it into actual assets, which is why platforms like Fractionvest, Ondo, etc... are popping up. So no, stablecoins aren’t destroying crypto. They’re the bridge to the phase where crypto becomes useful, not just volatile charts.

Antique-Worth323

Why? You’d ride them all the way down instead of selling them for USDC And waiting until the bottom is in then rebuying for 4Xs the assets you once held? Thats how you stack crypto and make far more than if you had held. Does no one understand this game? Holding is ridiculous when the indicators are pointing down! Sell high, buy low= increases your holdings Holding = watching your money decrease

-5H4Z4M-

75% Bitcoin, 10% Ethereum, 5% BNB, 2% USDC 8% left are for more risky projects , Hyperliquid, Solana, Monero, Aster and Aave. by "risky" i mean according to my own opinion of course.

tinytyler12345

Hold, or sell for USDC now and reinvest after it's crashed some more?

non3type

Honestly banks are only doing it with institutional clients. You could borrow from a crypto based lender but those interest rates are higher and often end in USDC. Converting the USDC and transferring it out involves fees. Going that route you’re probably losing almost as much in interest as you would with the 15% gains tax.

anogio

A software glitch at Binance, if the news is to be believed. The USDC or something like that, very briefly dropped to $0.65, due to some liquidity issues. Then, that triggered auto liquidation of futures in error, which cascaded to genuine liquidations. Then the whales moved in and are now controlling the market price to acquire more btc.

masterctrlprogram-

Posting 1 BTC as collateral never borrow more than $25k USDC and you’ll be fine.

Sandharbor

Looking for ones actually being used and taking in fees, creating revenue for the chain/protocol. I own and will accumulate some of these based on them taking in high fees, decent tokenomics, some in addition buy back and burn making them potentially deflationary.  AAVE  SKY   SOL ETH COIN(stock) it’ll benefit from multiple facets of the market; Base, Aero, USDC, being an exchange, coinbase ventures, holds crypto on treasury, etc May add UNI didn’t do good this run but is established, implementing a burn to reward holders, and takes in one of the most fees. 

BoringPrinciple2542

I saw a crypto scam that I’m pretty certain used a drainer on their community to improve sentiment 😂. The main guy got “hacked” and posted links that drained their communities wallets. As a show of good faith, the team sent everybody USDC to cover their losses. Needless to say sentiment goes wild and everybody questioning why monthly payouts had been delayed. A couple weeks later I was going through team wallets and saw around $5k sent to infernal drainer shortly before the “hack”…. Couldn’t get anybody to provide a transaction hash from the exploit but I’m pretty certain they robbed the community, liquidated their crypto, then sent it back and then played hero 🤣.

watch-nerd

Sitting on a big pile of USDC.

SocialScope_0912

Switching to USDC can work only if you know when to re-enter most people don’t. MentTech Labs usually sees better outcomes with simple long-term strategies.

torkildj

100% USDC here. laughing my fucking ass out. Cheap korn come to daddy

BlindDriverActivist

Cashed out in to USDC with a plan to DCA back in to Bitcoin through 2026. Alts were annihilated and I’m not touching them for the foreseeable future.

PsychologicalBit803

Exactly! I’ve been putting money in USDC the entire year waiting for a big discount! 30%ish is pretty great!

coinfeeds-bot

tldr; The Algorand Foundation has announced an integration with Coinify, enabling consumers to use USDC on Algorand for payments via Coinify’s gateway. Merchants can also receive settlements in USDC on Algorand. This integration enhances stablecoin payment adoption by combining USDC's stability with Algorand’s low transaction costs and security. Coinify, a Denmark-based fintech company, supports crypto payments globally and offers various digital asset services. This partnership aims to expand USDC payments on Algorand worldwide. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

OuchMyCoins

I leave mine in USDC for a higher yield than sitting in my bank. Just need to understand (and accept) the (not your keys) risk.

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